As we enter the hurricane season, it's important to remember that such storms are not the only wind-driven catastrophes threatening communities, businesses and their insurers. Indeed, average annual aggregate losses from severe thunderstorms and the tornados they spawn are roughly comparable to average annual aggregate losses from hurricanes.

Case in point: At 9:45 p.m. on Friday, March 14, downtown Atlanta, Ga., experienced its first tornado since record-keeping began in the late 1800s. The storm, one of a series to hit the Southeast that weekend, touched down near Vine City, a neighborhood in west Atlanta, and then moved to the city center, where it knocked out power to 19,000 customers.

The storm also blew out skyscraper windows, ripped furniture from hotel rooms, and severely shook the packed Georgia Dome. It then slammed into another residential area directly east of downtown.

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